PHSalaryCalculator

Official 2026 Rates
✓ 2026 rates · ₱10,000 cap

Pag-IBIG Contribution Calculator (Philippines 2026)

Work out your monthly Pag-IBIG (HDMF) contribution. Contributions are computed on your monthly pay capped at ₱10,000, so the mandatory maximum is ₱200 each.

Your details

Your Pag-IBIG Contribution

🏠

Enter your compensation to see your Pag-IBIG contribution

How your Pag-IBIG contribution works

Pag-IBIG (HDMF) is a percentage of your monthly compensation, but the base is capped at ₱10,000 (raised from ₱5,000 in February 2024 by HDMF Circular No. 460). That cap is why it's the smallest of your three contributions:

Earn ₱1,500 or less

1% you + 2% employer

Earn above ₱1,500

2% you + 2% employer

Once your pay reaches ₱10,000, your share freezes at a flat ₱200 — no matter how much more you earn. Self-employed members pay both shares, and a kasambahay earning below ₱5,000 is paid for entirely by the employer. You can always contribute more voluntarily.

Worked example: ₱15,000/month employee

At ₱15,000 you're above both the ₱1,500 threshold and the ₱10,000 cap — so the flat maximum applies.

Contribution base (capped)₱10,000
Your share — 2% of base₱200
Employer share — 2% of base₱200
Total to Pag-IBIG₱400
Your ₱200 builds up as savings you can claim at maturity (with dividends), and it keeps you eligible for Pag-IBIG housing and multi-purpose loans.

Pag-IBIG rates at a glance

Three reference points for an employed member. The share grows with pay until the ₱10,000 cap. For every pay level and each member type, see the full Pag-IBIG contribution table 2026.

Monthly pay (₱)EmployeeEmployerTotal
1,500 and below₱15 (1%)₱30 (2%)₱45.00
5,000₱100 (2%)₱100 (2%)₱200.00
10,000 and above₱200 (2%)₱200 (2%)₱400.00

Source: Pag-IBIG Fund (HDMF) Circular No. 460 (signed 15 January 2024): Maximum Fund Salary raised from ₱5,000 to ₱10,000 effective February 2024 onwards; employee 1% (fund salary ₱1,500 and below) or 2% (over ₱1,500), employer 2%.. Last updated: 2026-10-17.

Pag-IBIG questions, answered plainly

"Why is my Pag-IBIG only ₱200 when I earn way more?"

Because the contribution base is capped at ₱10,000. Whether you earn ₱15,000 or ₱150,000, the mandatory employee share is the same ₱200.

"Is this the same as my Pag-IBIG housing loan?"

No. This is your contribution (savings). Your housing and multi-purpose loans are separate — but paying contributions consistently is what makes you eligible for them.

"Can I save more than ₱200?"

Yes. You can voluntarily raise your contribution, and the Pag-IBIG MP2 program is a separate voluntary savings scheme.

This calculator covers Pag-IBIG contributions only — not housing or multi-purpose loans.

Frequently Asked Questions

How much is the monthly Pag-IBIG contribution in 2026?
For members earning above ₱1,500, the rate is 2% employee and 2% employer, computed on compensation capped at ₱10,000. That means a maximum of ₱200 from you and ₱200 from your employer.
How much should OFWs pay to Pag-IBIG?
HDMF Circular No. 460 does not spell out a separate OFW rule. This calculator assumes an OFW pays the employee share only (2% of up to ₱10,000, so up to ₱200 a month), which is how most guides present it. Confirm your exact amount with Pag-IBIG, and note that many OFWs choose to contribute more.
How much do self-employed members pay to Pag-IBIG?
Circular 460 treats self-employed persons under mandatory coverage as both employee and employer, so they pay both shares: up to ₱400 a month (2% + 2% of the ₱10,000 cap).
Can I contribute more than the minimum to Pag-IBIG?
Yes. You can voluntarily contribute above the mandatory amount, and the extra goes toward higher Pag-IBIG savings. The MP2 savings program is a separate voluntary option.
What is the maximum Pag-IBIG contribution?
Because contributions are computed on compensation capped at ₱10,000, the mandatory maximum is ₱200 from the employee and ₱200 from the employer (₱400 total). Anyone earning ₱10,000 or more pays this flat amount.
Who pays Pag-IBIG for a kasambahay?
For a household worker with pay below ₱5,000, the employer pays the whole contribution (3% if pay is ₱1,500 or less, 4% above that). At ₱5,000 and above, the kasambahay and the employer each pay 2%.
Does the Pag-IBIG contribution include allowances?
Yes. Pag-IBIG counts "fund salary" as basic salary plus other allowances received in a month, before applying the ₱10,000 cap. This differs from PhilHealth, which uses basic salary only.
Where can I see the Pag-IBIG contribution for different salaries?
See the full Pag-IBIG contribution table 2026, which covers every pay level, member type and the 2024 change in the cap.

Related calculators

SSS Contribution CalculatorYour monthly SSS contribution PhilHealth Contribution CalculatorYour monthly PhilHealth premium Pag-IBIG MP2 CalculatorProject your MP2 savings and dividends Pag-IBIG Housing Loan CalculatorMonthly payment and loan affordability Salary CalculatorTake-home pay after every deduction

Related guides